Virtual Sealed Pot Challenge 2016

getmyacttogether2016

Afternoon all

#5 with another 5.46 for previous week and 8.42 for last week.

Getting ever nearer to my wished for total.

Take care all

GMAT

Westie983

Thanks for your concern, I think some of my pain maybe self inflicted and me doing too much as I have been training for a channel swim!! raising money for Aspire a spinal charity if anyone is interested in looking up more about it then give the name a google.

The challenge is to swim the length of the channel over three months in your local pool. I was on target to do this but now I have unfortunately been given a operation date slap bang in the middle of it, but I will try to clock up the lengths before so the weeks I'm out of action wont matter so much and will try to get back on it afterwards. 1216 lengths its a mighty challenge but I'm going to try my very best.

Westie983

getmyacttogether2016 wrote: »

Afternoon all

#5 with another 5.46 for previous week and 8.42 for last week.

Getting ever nearer to my wished for total.

Take care all

GMAT

All updated,

You are doing well keep it up your will be at your target in now time.

-Selene

First of all, Westie that is an amazing accomplishment!! And so great for you raise money for charity in the run up to an operation :T

Now to the VSP... many apologies for not declaring August on time but I've been unwell the last few weeks, really need to get back into the swing of things too. It doesn't help that August looks very messy on my online bank statement because I overspent and had to borrow money out of my savings I will go away to do some maths and come back later tonight or tomorrow with a number to declare

Also Ruth, I was skimming the thread to catch up and saw that you were asking about a H2B ISA, I opened one in this year but didn't put the £1200 in as I didn't want to take money out of my VSP so only put in £200 to start with + the monthly £200. As for finding the monthly £200, I set mine up to take £200 out on payday, it's a pain when I overspend but because my H2B is with Halifax and I don't hold any other products with them, it's easy to forget I have that money and let it accumulate invisibly (And I mean that quite literally - I'm not sure how much is in my H2B now, as I've locked myself out of online banking :rotfl:) My only regret about opening a H2B is that I should've opened it earlier

-Selene

Update: my declaration for August is a miserable £6.55 I know it's a good thing to be in the black instead of the red, but it looks very demotivating to me too and September is a tight month... Roll on October!!

crimson.addict

-Selene wrote: »

Ruth, I was skimming the thread to catch up and saw that you were asking about a H2B ISA, I opened one in this year but didn't put the £1200 in as I didn't want to take money out of my VSP so only put in £200 to start with + the monthly £200. As for finding the monthly £200, I set mine up to take £200 out on payday, it's a pain when I overspend but because my H2B is with Halifax and I don't hold any other products with them, it's easy to forget I have that money and let it accumulate invisibly (And I mean that quite literally - I'm not sure how much is in my H2B now, as I've locked myself out of online banking :rotfl:) My only regret about opening a H2B is that I should've opened it earlier

I opened one last month I put in the £1,200 and have put in £200 this month also. The interest rates are fantastic too in comparison.

I did have one little snag though. When setting it up i noticed that i could transfer from my old ISA's into this new one. I called them up to ask if i can transfer and still add my £1,200. I was told i could which i was very happy about as this meant i would have the higher interest for all my savings. So after the phone call i set up my new ISA, transferred in my others and added my initial £1,200. A few days later the money from my other ISA was back in my bank account. I called them back to find out why and it turns out the person who told me i could transfer told me wrong. They have now raised a complaint as i was miss-sold a product. Apparently this is very serious. Just waiting to hear back from them, they are looking into it.

lozzy81

only £1.63 from me!

Westie983

-Selene wrote: »

First of all, Westie that is an amazing accomplishment!! And so great for you raise money for charity in the run up to an operation :T

Now to the VSP... many apologies for not declaring August on time but I've been unwell the last few weeks, really need to get back into the swing of things too. It doesn't help that August looks very messy on my online bank statement because I overspent and had to borrow money out of my savings I will go away to do some maths and come back later tonight or tomorrow with a number to declare

Also Ruth, I was skimming the thread to catch up and saw that you were asking about a H2B ISA, I opened one in this year but didn't put the £1200 in as I didn't want to take money out of my VSP so only put in £200 to start with + the monthly £200. As for finding the monthly £200, I set mine up to take £200 out on payday, it's a pain when I overspend but because my H2B is with Halifax and I don't hold any other products with them, it's easy to forget I have that money and let it accumulate invisibly (And I mean that quite literally - I'm not sure how much is in my H2B now, as I've locked myself out of online banking :rotfl:) My only regret about opening a H2B is that I should've opened it earlier

No bother Selene, I understand life gets in the way sometimes, I will say though even if its 1p is still 1p that you have saved more then last month, its not a race, every penny counts.

Why is your help 2 buy Isa the only thing you have with the halifax, you do know you can get £100 for switching and no DD needed :-)
not bias at all lol....

Have you sent me an update form? if so ill update the spreadsheet in a min.

Westie983

lozzy81 wrote: »

only £1.63 from me!

Lozzy, every penny counts, well done :-)

Scottishmummy

Haven't had a chance to catch up on all the posts but spotted the one about your charity swim Westie. Swimming the channel in a pool is certainly a warmer way to do. All the very best with that.

I've just sent you two update forms - one for the missing payment from August - it wasn't quite £6 but there was a 6 in it. And my first for Sept for the last two weeks. I'm putting over so little just now that I don't want to increase my target. Anything I am able to add is just a bonus.